Chapter 4

My phone was buzzing like crazy in my pocket while I was chatting with some old ladies in the park.

Philip's name was popping up on the screen, more frantic than ever.

I took my sweet time finishing the chat, then strolled over to a bench, sat down, and finally picked up the call.

"Mom! Bad news. It's serious!" Philip was no longer yelling like yesterday.

This time, his voice was trembling, barely holding back panic.

"The mortgage payment's overdue. The bank just called and said if I don't pay up, my credit's gonna be trashed. Did something happen to…